
Why choose Complete 60?
Comprehensive cover
60% back
Orthodontics cover
Explore Complete 60
Inclusions
An inclusion is a treatment, service or good that we will pay a benefit towards. Complete 60 includes cover for all 22 services:
- Appliances, Prostheses and Aids
- Chiropractic
- Dietetics and Nutrition
- Exercise Physiology
- Eye Therapy
- General Restorative Dental
- Healthy Living Programs
- Hearing Aids
- Major Dental and Implants
- Natural Therapies, including remedial massage
- Occupational Therapy
- Optical
- Orthodontics
- Osteopathy
- Pharmaceuticals (non PBS)
- Physiotherapy
- Podiatry
- Preventative Dental
- Psychology
- Speech Therapy
- Urgent Ambulance
If you don’t need cover for everything, you may want to compare our other cover options.
Exclusions
Good news! With Complete 60, you're covered for all 22 extras services.
To see what falls outside of those services, check out what isn't covered by extras insurance.
Learn more about Complete 60

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Frequently asked questions
What is health insurance?
Also known as health cover, health insurance is an umbrella term for the types of insurances available to help cover your healthcare costs in Australia: hospital insurance and extras insurance.
Hospital insurance
Also known as hospital cover, hospital insurance helps cover some of the costs when you're admitted to hospital. It can help cover some of the costs for things like doctors' fees, accommodation and theatre fees.
Extras insurance
Also known as ancillary cover or extras cover, extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.
With HBF, you can choose to purchase hospital or extras insurance on their own, or you can buy both to create a combined policy.
Learn more:
What is an annual limit?
An annual limit is the maximum amount of money you can claim for a service within a calendar year. Each person on your policy has their own annual limits.
What is a lifetime limit?
A lifetime limit is the total amount you can claim for a service over the course of your lifetime; each person on your policy has their own lifetime limit. At HBF, lifetime limits only apply to orthodontics on select covers. This means that once you've claimed up to your lifetime limit, either at HBF or through claims at another health insurer, you won't be able to claim benefits again even if you change your cover or leave and re-join us in the future.
How much will I get back when I make an extras insurance claim?
The amount you can claim back on extras services depends on your benefits (the amount you get back when you claim) and your annual limits (the maximum amount you can claim in a year).
Nearly all extras insurance policies only cover services to a limited extent, which means you'll usually pay for some of the service out of your own pocket.
What makes extras insurance worthwhile is that Medicare generally doesn't cover extras services, so without extras insurance you'd have to cover the full cost of treatment every time you receive a service.
What does extras insurance cover?
The specific extras services you're covered for depends on your health fund, level of cover and the specific policy you choose. Here are some examples of common services extras insurance can cover:
- Dental treatment — this includes preventative dental, general restorative dental, major dental and implants, and orthodontics
- Physiotherapy
- Optical - glasses and contact lenses
- Chiropractic treatment
- Podiatry
What isn't covered by extras insurance?
Also known as ancillary cover or extras cover, extras insurance helps cover the cost of everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.
There are some situations where your health fund cannot pay a benefit (because they legally can't), but Medicare will. For example, a visit to a doctor outside of hospital, like a General Practitioner, is not covered by health insurance, no matter what health fund you're with — this is covered by Medicare.
Consultation fees for a doctor or a specialist appointment outside of hospital, tests and examinations like x-rays or blood tests and eye tests performed by an optometrist are common situations where your health fund won't pay a benefit but Medicare will.
How much does extras cover cost?
HBF has a range of extras cover products to suit all budgets. Private Health Insurance with extras cover helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. The price of each product is based on the level of restrictions and exclusions on these eservices.
Can I purchase HBF extras cover only?
Yes. With HBF, you can purchase extras cover on its own. Extras insurance helps cover some or all of the costs for everyday healthcare services including things like dental check-ups, physio appointments and glasses or contacts. These services are generally not covered by Medicare.
